In Our 90s

The Life Decades Series

This article is part of a series exploring each decade of adult life — the defining lessons, the financial priorities, and what makes each stage unique.

Defining Lessons

Health & Well-being

Maintaining health and well-being is crucial in one’s 90s. Regular medical check-ups, a balanced diet, and staying physically active are essential. Gentle exercises such as walking, swimming, and chair exercise can help maintain mobility and strength. Mental health is equally important — activities that stimulate the mind, like reading, puzzles, and social interaction, can keep cognitive functions sharp.

Maintaining social connections is crucial for emotional health. Loneliness and isolation can be significant risks. Staying connected with family, friends, and community groups provides emotional support and a sense of belonging. Participating in clubs, social events, and volunteering fosters purpose and connection.

Legacy & Meaning

Reflecting on one’s legacy and sharing life stories with younger generations can be deeply fulfilling. Writing memoirs, creating photo albums, and recording oral histories are meaningful ways to preserve personal history and impart wisdom. Engaging in legacy projects — establishing scholarships, making charitable donations, or simply sharing the lessons of a life fully lived — leaves a lasting impact that extends far beyond one’s years.

The 90s can also be a time to indulge in hobbies and interests that bring joy — painting, writing, knitting, music — and to continue learning. The spirit of curiosity and exploration can thrive at any stage of life.

Financial Priorities for Your In Our 90s

Financial planning in the 90s centers on protecting income, managing healthcare, simplifying the estate, and ensuring your wishes are clearly documented for those who will carry them out.

1. 1
   Confirm RMDs and income streams are stableEnsure all required distributions are being taken and all income sources (Social Security, annuities, pensions) are flowing correctly. Simplicity and reliability are the goals. Learn more ›
2. 2
   Review living arrangements and care accessDetermine whether your current living arrangement continues to meet your needs — and whether safety modifications, home care, assisted living, or other arrangements should be explored.
3. 3
   Ensure end-of-life documents are complete and accessibleHealthcare directives, powers of attorney, wills, and trust documents should be current and in the hands of the people who need them. Open, honest conversations about your wishes with family members are essential.
4. 4
   Review and simplify the estateConsolidate accounts, review beneficiary designations, and consider whether charitable giving goals have been incorporated into the estate plan.
5. 5
   Consult a financial advisor for final estate optimizationReverse mortgages, charitable remainder trusts, and other late-stage tools may be appropriate depending on your situation and goals.

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